• Work with financial partners’ customers to obtain financing for their lease-end vehicle purchases• Review customer’s credit history and obtain the best loan terms and interest rates available through multiple financial institutions• Up sell interest rates and after-market products to approved customers through proven sales skills (i.e., extended service contracts, tire and wheel protection and GAP insurance)• Met or exceeded monthly product penetration goals set by upper management• Ensure proper loan documentation was sent and completed in a timely manner• Assist approved customers with questions and concerns with loan documentation

Develop a quality deposit and loan portfolio for the South Austin location through sales skills and community involvement•Opened new banking center and developed new business relationships for the South Austin area•Grew branch’s deposit base to $3.5 million and loan portfolio to $3 million within 11 months of opening with no delinquencies/losses •Supervised, trained and evaluated all employees for the banking center •Developed and managed annual budget for the South Austin branch

Maintain and expand consumer loan portfolio and deposit base for the Austin area region with a strong emphasis on credit quality•Evaluated consumer loan requests for 6 branches in the Austin region and structure within bank’s lending policy•Implemented a consumer loan credit scoring system (CrediSphere) for the Austin region •Created loan portfolio of approximately 300 customers with an aggregate loan approval authority of $100,000 and maintained a delinquency ratio of less than 1%

Analyze retail/lease credit applications to determine credit worthiness of consumer/commercial applicants and make informed decisions based on company policies and standards•Approved, conditioned, or rejected applicants within approved lending authority of $65,000 •Reviewed all dealer and staff communications to ensure compliance with current retail and lease programs•Provided supervisory support in the absence of Credit Supervisor